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Spending by Merchant

Overview

The Spending by Merchant insight is a schedule-triggered insight that provides the top merchants for a specific entity that the user spent on for the user-defined duration. Only expense merchants are considered for this insight. The insight will be generated only if the user spends on a merchant in the configured duration.

Following are the additional details for the insight:

Insight Name SPENDING_BY_MERCHANT
Applicable Entities ACCOUNT, VIEW
Insight Type OTHER
Trigger Type SCHEDULE
Supported Containers BANK, CARD

Use Cases

  • Customer:
    • Up-Sell / Cross-Sell opportunities - Offer products that could potentially save money for users. E.g. co-branded credit cards or direct merchant offers.
  • User:
    • Financial wellness - Keep track of spending.

Suggested Action

Suggest users to create a VIEW based on the top merchants, set a budget, and track spending.

Duplicate Insight Checks

To prevent the same insight from generating repeatedly, the insight is generated only once per scheduled frequency for each entity ID.

The following are the applicable frequencies for this insight:

Frequency Description
DAILY The insight will be triggered daily. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current day from 12:00 AM same day to the time of insight evaluation.
WEEKLY The insight will be triggered once every Monday. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar week (Monday to Sunday).
For example:
  • Normal scenario: If the calendar week starts from 1st January to 7th January, the insight is triggered on 1st January.
  • Dynamic trigger scenario: If the calendar week starts from 1st January to 7th January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.
MONTHLY The insight will be triggered once on the first day of the calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month).
For example:
  • Normal scenario: If the calendar month starts from 1st January to 31st January, the insight is triggered on 1st January.
  • Dynamic trigger scenario: If the calendar month starts from 1st January to 31st January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.
MID_MONTHLY The insight will be triggered once on the 16th of a calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month).
For example:
  • Normal scenario: If the calendar month starts from 1st January, the insight is triggered on 16th of January.
  • Dynamic trigger scenario: If the calendar month starts from 1st January, and the user triggers an insight on 3rd January using dynamic trigger, duplicate check happens from 1st January to 3rd January.

Insight Dynamic Trigger (On-Demand Evaluation)

The dynamic trigger is applicable to the insight. Depending on the configuration, this insight can be invoked dynamically when:

  • A new View is created
    OR
  • A View ID is patched using the user subscription API

The insight is generated dynamically using any of the above two methods only if the view is eligible and the other insight generation checks are passed.

Note: By default, the configuration is set to dynamically trigger insight evaluation, everytime a new entityId (view ID) is added using the PATCH userSubscription API. During onboarding, this preference can be changed.

In addition to the dynamic trigger capability chosen, this insight can be triggered using the following on-demand insight trigger API:

Method and URL:

POST   /insights/trigger

Peer Benchmarking Data

This insight provides peer benchmarking (PB) data only to the Accounts entity. Based on the segmentation parameter provided by the user, PB data is returned for merchants at the peer, state, and national benchmark levels.

The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:

  • PB enabled: The default frequency will be MID_MONTHLY and default duration will be LAST_THREE_MONTHS.
  • PB disabled: The default frequency will be MONTHLY and default duration will be THREE_MONTHS.

Thresholds

Threshold lets the customer or the user decide how many merchants have to be returned by default in the insight. If the TOP value is 5, the top 5 merchant based on the highest spending is returned in the insight.

  • Threshold Name: TOP
  • Data Type: NUMBER
  • Range Allowed: 1 < = N <= 100
  • Default: 5

Note: Depending on the customer segment and account, threshold might need to be different for different users. If the default value is insufficient, the users can set a threshold they are comfortable tracking.

GET Customer Subscription

The GET customer subscription API provides all the information about the defaults set for the insights that are subscribed by the customer. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.

The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:

  • PB enabled: The default frequency will be MID_MONTHLY and default duration will be LAST_THREE_MONTHS.
  • PB disabled: The default frequency will be MONTHLY and default duration will be THREE_MONTHS.

Method and URL:

GET   /insights/configs/customerSubscriptions

Header Parameters:

Key Value
Authorization Client credentials-based authorization Bearer {{Access Token}}
API key-based authentication Bearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authentication cobSession={cobSession received in the cobrand login service}
Content-Type application/json
Api-Version 2.1
2
Cobrand-Name {Name of the Customer}

Sample Request:

GET /insights/configs/customerSubscriptions

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

  • Api-Version 2.1 Response
{
   "customerSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "containers":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period.",
         "applicableEntity":[
            "ACCOUNT",
            "VIEW"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
                  "isBenchmarkEnabled":false,
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
}
  • Api-Version 2 Response
{
   "customerSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "container":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period.",
         "applicableEntity":[
            "ACCOUNT",
            "VIEW"
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
                  "isBenchmarkEnabled":false,
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
}

PATCH Customer Subscription

Using the PATCH API for customer subscription, customers can change the defaults for each insight. Alternatively, customers can use the insights configuration tool to achieve the same result.

If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.

Warning! Changing any defaults can potentially impact all users who have subscribed to this insight. If the user has overridden the customer threshold, then the user preference will be applied. For all other users, the new defaults will apply.

Header Parameters:

Key Value
Authorization Client credentials-based authorization Bearer {{Access Token}}
API key-based authentication Bearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authentication cobSession={cobSession received in the cobrand login service}
Content-Type application/json
Api-Version 2.1
2
Cobrand-Name {Name of the Customer}

Method and URL:

PATCH   /insights/configs/customerSubscriptions

Editable Parameters:

Editable Attributes Impact Allowed Values
isSubscribed Subscribes or unsubscribes all the users from the Spending by Merchant insight. true, false
insightTitle The title returned in the GET feed API as well as the insights config tool can be changed. Alphanumeric characters up to 100 characters (including spaces)
frequency The frequency at which an insight will be evaluated.
  • DAILY (every day - early morning)
  • WEEKLY (every Monday - early morning)
  • MID_MONTHLY(16th of every month - early morning)
  • MONTHLY (1st of every month - early morning)
duration The data range that should be considered for evaluating the transactions.
  • THIS_MONTH (current month)
  • LAST_MONTH (last month)
  • LAST_THREE_MONTHS
  • LAST_SIX_MONTHS
  • LAST_TWELVE_MONTHS
  • THREE_MONTHS (current month + last 2 months)
  • SIX_MONTHS (current month + last 5 months)
  • ONE_YEAR (current month + last 11 months)
threshold Determines the number of merchants returned - sorted in descending order of spending. Numbers between 1 to 100
isBenchmarkEnabled If the customer has opted for PB feature, pass the isBenchmarkEnabled as true to get the peer benchmarking data. The customer can turn OFF the PB feature by setting isBenchmarkEnabled as false. true, false

Note: The duration specifies the maximum date range. However, if the account or view contains data for less than this duration, only the smaller date range will be considered. For example, duration is specified as ONE_YEAR. However, the view rule starts from 3 months ago. In this case, data will be returned starting from 3 months, until the current date.

Sample Request:

{
   "customerSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
               "isSubscribed":true,
               "isBenchmarkEnabled":true,
               "frequency": "MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
}

Response Messages:

HTTP Status Code Reason
400 Y806: Invalid Input
400 Y800: Invalid value for insightName
400 Y800: Invalid value for insightTitle; special characters ><\""'%{}|^~[] are not supported.
400 Y801: Invalid length for insightTitle; min 3 and max 100 characters including spaces are allowed.
400 Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY
400 Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, ONE_YEAR, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y800: Invalid value for TOP in SPENDING_BY_MERCHANT insight Min =1 and Max = 100
400 Y802: For insight SPENDING_BY_MERCHANT, passing isBenchmarkEnabled is not allowed
400 Y800: Invalid value for isBenchmarkEnabled. Supported values are true, false
400 Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y813: Invalid request. The entire object within threshold should be provided
400 Y802: Modifying isBenchmarkEnabled is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying applicableEntity is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying triggerType is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying container is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying description is not allowed
400 Y800: Invalid value for isSubscribed; Supported values are true, false
400 Y825: Update not allowed without a valid request body
400 Y803: Invalid request; Either a valid insightTitle or customerConfiguration is required.
400 Y812: Required field/value - insightName missing in the request
400 Y802: Modifying InsightType attribute is not allowed
400 Y813 :entityType should be provided
400 Y803 :At least one additional attribute is required in addition to entityType.
400 Y800: Invalid value for customerConfiguration; customerConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes.
400 Y800: Invalid value for entityType. Supported entityType for SPENDING_BY_MERCHANT insight are - [ACCOUNT, VIEW]
400 Y802: For SPENDING_BY_MERCHANT insight, {Invalid String} inside the threshold is either repeated or not allowed
400 Y802: For SPENDING_BY_MERCHANT insight, {Invalid String} inside the threshold is not allowed
400 Y800: Invalid value for input json
401 Y020: Invalid token in authorization header
401 Y020: Token has expired

GET User Subscription

The GET user subscription API provides all the information about the user defaults set for the insight. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.

Method and URL:

GET   /insights/configs/userSubscriptions

Header Parameters:

Key Value
Authorization Client credentials-based authorization Bearer {{Access Token}}
API key-based authentication Bearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authentication cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}
Content-Type application/json
Api-Version 2.1
2
Cobrand-Name {Name of the Customer}

Sample Request:

GET /insights/configs/userSubscriptions?insightName=SPENDING_BY_MERCHANT

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

  • Api-Version 2.1 Response
{
   "userSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "containers":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period.",
         "applicableEntity":[
            "ACCOUNT",
            "VIEW"
         ],
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "frequency": "MONTHLY",
               "isBenchmarkEnabled":true,
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
                "isSubscribed":true,
               "frequency": "MONTHLY",
               "isBenchmarkEnabled":true,
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
}
  • Api-Version 2 Response
{
   "userSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "container":[
            "BANK",
            "CARD"
         ],
         "description":"Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period.",
         "applicableEntity":[
            "ACCOUNT",
            "VIEW"
         ],
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "frequency": "MONTHLY",
               "isBenchmarkEnabled":true,
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ],
         "customerConfiguration":[
            {
               "entityType":"ACCOUNT",
                "isSubscribed":true,
               "frequency": "MONTHLY",
               "isBenchmarkEnabled":true,
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
}

PATCH User Subscription

Using the PATCH user subscription API for user subscription, users can change the defaults for each insight. If the user wants the insight to be evaluated for a new account or a new view , then add that account or view using the PATCH user subscription API. The customer default threshold values will apply if the user has not set any values.

If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.

Method and URL:

PATCH   /insights/configs/userSubscriptions

Header Parameters:

Key Value
Authorization Client credentials-based authorization Bearer {{Access Token}}
API key-based authentication Bearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authentication cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}
Content-Type application/json
Api-Version 2.1
2
Cobrand-Name {Name of the Customer}

Editable Parameters:

Editable Attributes Impact Allowed Values
entityId The ID of the account or view for which the insight gets evaluated. Valid IDs for accounts or views belonging to the user.
isSubscribed Subscribes or unsubscribes the user from the Spending by Merchant insight true, false
frequency The frequency at which an insight will be evaluated.
  • DAILY (every day - early morning)
  • WEEKLY (every Monday - early morning)
  • MID_MONTHLY(16th of every month - early morning)
  • MONTHLY (1st of every month - early morning)
duration The data range that should be considered for evaluating the transactions.
  • THIS_MONTH (current month)
  • LAST_MONTH (last month)
  • LAST_THREE_MONTHS
  • LAST_SIX_MONTHS
  • LAST_TWELVE_MONTHS
  • THREE_MONTHS (current month + last 2 months)
  • SIX_MONTHS (current month + last 5 months)
  • ONE_YEAR (current month + last 11 months)
threshold Determines the number of merchants returned - sorted in descending order of spending. Numbers between 1 to 100
isBenchmarkEnabled If the customer has opted for PB feature, pass the isBenchmarkEnabled as true to get the peer benchmarking data. The customer can turn OFF the PB feature by setting isBenchmarkEnabled as false. true, false

Note: The duration specifies the maximum date range. However, if the account or view contains data for less than this duration, only the smaller date range will be considered. For example, duration is specified as ONE_YEAR. However, the view rule starts from 3 months ago. In this case, data will be returned starting from 3 months, until the current date.

Sample Request:

{
   "userSubscription":[
      {
         "insightName":"SPENDING_BY_MERCHANT",
         "userConfiguration":[
            {
               "entityType": "ACCOUNT",
               "entityId": "10255809",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "isBenchmarkEnabled":true,
               "duration": "THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            },
            {
               "entityType":"VIEW",
               "isSubscribed":true,
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ]
      }
   ]
   }

Response Messages:

HTTP Status Code Reason
400 Y806: Invalid input
400 Y800: Invalid value for insightName
400 Y800: Invalid value for input param in SPENDING_BY_MERCHANT insight
400 Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY
400 Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, ONE_YEAR, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y800: Invalid value for entityId; This id is either invalid or not supported for this insight.
400 Y800: Invalid value for TOP in SPENDING_BY_MERCHANT insight Min =1 and Max = 100
400 Y813: Invalid request. The entire object within threshold should be provided
400 Y802: Modifying insightTitle using this API is not allowed
400 Y802: Modifying isBenchmarkEnabled is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, passing isBenchmarkEnabled is not allowed
400 Y800: Invalid value for isBenchmarkEnabled Supported values are true, false
400 Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS
400 Y802: For insight SPENDING_BY_MERCHANT, modifying applicableEntity is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying triggerType is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying container is not allowed
400 Y802: For insight SPENDING_BY_MERCHANT, modifying description is not allowed
400 Y802: Duplicate entityId entries within userConfiguration is not allowed
400 Y800: Invalid value for isSubscribed; Supported values are true, false
400 Y825: Update not allowed without a valid request body
400 Y800: Invalid value for userConfiguration; entityId should be provided.
400 Y812: Required field/value - insightName missing in the request
400 Y802: Modifying InsightType attribute is not allowed
400 Y813: entityType should be provided
400 Y802: Duplicate entityId entries is not allowed
400 Y803: At least one additional attribute is required in addition to entityType.
400 Y800: Invalid value for userConfiguration; userConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes
400 Y800: Invalid value for threshold data in SPENDING_BY_MERCHANT insight
400 Y800: Invalid value for entityType. Supported entityType for SPENDING_BY_MERCHANT insight are - [ACCOUNT, VIEW]
400 Y800: Invalid value for input json
401 Y020: Invalid token in authorization header
401 Y020: Token has expired

GET Insight Feeds

The GET insights feed API retrieves all or a subset of the valid insight notifications generated for a particular user. However, using the insightName filter, you can specifically request for the Spending by Merchant insight only. The insight is generated only if basicTrend.debitTotal.amount is greater than 0.

Calculation Logic for Derived Attributes:
averageNetTotal = netTotal/duration

Method and URL:

GET   /insights/feed

Header Parameters:

Key Value
Authorization Client credentials-based authorization Bearer {{Access Token}}
API key-based authentication Bearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authentication cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}
Content-Type application/json
Api-Version 2.1
2
Cobrand-Name {Name of the Customer}

Sample Request:

GET /insights/feed?insightName=SPENDING_BY_MERCHANT

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

{
   "feed":[
      {
         "id":"61f17ea35fa1a2410b0f53f7",
         "insightName":"SPENDING_BY_MERCHANT",
         "insightTitle":"Spending by Merchant",
         "insightType":"OTHER",
         "triggerType":"SCHEDULE",
         "createdDate":"2022-01-26T17:02:24Z",
         "subscription":[
            {
               "entityId":"61f17e87a3d02436f9370d60",
               "entityType":"VIEW",
               "frequency":"MONTHLY",
               "duration":"THREE_MONTHS",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"5",
                     "type":"NUMBER"
                  }
               ]
            }
         ],
         "basicView":[
            {
               "id":"61f17e87a3d02436f9370d60",
               "name":"Default View",
               "link":{
                  "entityName":"view",
                  "url":"/views/61f17e87a3d02436f9370d60"
               },
               "basicTrend":[
                  {
                     "dateRange":{
                        "fromDate":"2021-11-01",
                        "toDate":"2022-01-26"
                     },
                     "debitTotal":{
                        "amount":369982.33,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":2301.86,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":367680.47,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":122560.16,
                        "currency":"USD"
                     },
                     "merchantTrend":[
                        {
                           "basicMerchant":{
                              "name":"Others"
                           },
                           "debitTotal":{
                              "amount":285611.19,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":285611.19,
                              "currency":"USD"
                           },
                           "averageNetTotal":{
                              "amount":95203.73,
                              "currency":"USD"
                           },
                           "detail":[
                              {
                                 "dateRange":{
                                    "fromDate":"2022-01-01",
                                    "toDate":"2022-01-26"
                                 },
                                 "debitTotal":{
                                    "amount":92759.48,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":0.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":92759.48,
                                    "currency":"USD"
                                 }
                              },
                              {
                                 "dateRange":{
                                    "fromDate":"2021-12-01",
                                    "toDate":"2021-12-31"
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                                    "url":"/derived/transactions?fromDate=2021-11-01&amp;toDate=2021-11-30&amp;merchantName=Netflix&amp;accountId=14568112"
                                 }
                              },
                              {
                                 "dateRange":{
                                    "fromDate":"2021-10-01",
                                    "toDate":"2021-10-31"
                                 },
                                 "debitTotal":{
                                    "amount":300.0,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":0.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":300.0,
                                    "currency":"USD"
                                 },
                                 "link":{
                                    "entityName":"transaction",
                                    "url":"/derived/transactions?fromDate=2021-10-01&amp;toDate=2021-10-31&amp;merchantName=Netflix&amp;accountId=14568112"
                                 }
                              }
                           ]
                        },
                        {
                           "basicMerchant":{
                              "name":"LegalZoom"
                           },
                           "debitTotal":{
                              "amount":390.0,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":390.0,
                              "currency":"USD"
                           },
                           "averageNetTotal":{
                              "amount":390.0,
                              "currency":"USD"
                           },
                           "link":{
                              "entityName":"transaction",
                              "url":"/derived/transactions?fromDate=2021-10-01&amp;toDate=2021-12-31&amp;merchantName=LegalZoom&amp;accountId=14568112"
                           },
                           "basicPeerDetail":{
                              "dateRange":{
                                 "fromDate":"2021-10-01",
                                 "toDate":"2021-12-31"
                              },
                              "benchmarkAsOf":"Dec-2021",
                              "benchmark":[
                                 {
                                    "geo":{
                                       "level":"national",
                                       "value":"US"
                                    },
                                    "benchmarkLevel":"national",
                                    "netTotal":{
                                       "amount":151.0,
                                       "currency":"USD"
                                    },
                                    "numberOfPeers":22355
                                 }
                              ]
                           },
                           "detail":[
                              {
                                 "dateRange":{
                                    "fromDate":"2021-12-01",
                                    "toDate":"2021-12-31"
                                 },
                                 "debitTotal":{
                                    "amount":390.0,
                                    "currency":"USD"
                                 },
                                 "creditTotal":{
                                    "amount":0.0,
                                    "currency":"USD"
                                 },
                                 "netTotal":{
                                    "amount":390.0,
                                    "currency":"USD"
                                 },
                                 "link":{
                                    "entityName":"transaction",
                                    "url":"/derived/transactions?fromDate=2021-12-01&amp;toDate=2021-12-31&amp;merchantName=LegalZoom&amp;accountId=14568112"
                                 }
                              }
                           ]
                        }
                     ]
                  }
               ]
            }
         ]
      }
   ]
}